That is a major fact.
You know whether you applied for a credit card, loan, or other account. If you never applied for it, then the appearance of that account on your credit report deserves a serious explanation.
If the account was opened through identity theft, it may still contain enough of your identifying information to look legitimate inside automated systems.
That is why a dispute can sometimes come back “verified” even when you know the account is not yours.
I explain this in “That Account Isn’t Mine. Why Is It on My Credit Report?”:
https://www.cardozalawcorp.com/blog/that-account-isn-t-mine-why-is-it-on-my-credit-report-.cfm
If this happened to you, contact us and select Identity Theft.
